12021 Coleman Ave, Port Charlotte, FL 33981
3 beds · 2 baths · 1,233 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 12021 Coleman Ave, Port Charlotte, FL! Get ready to fall in love with this practically new, custom-built 3-bedroom, 2-bathroom home with a 2-car garage — perfectly designed for comfort, style, and the ultimate Florida lifestyle! Step inside and you’ll be greeted by upgraded tile flooring and ceiling fans throughout, creating a cool and inviting atmosphere. The heart of the home — the kitchen — shines with granite countertops, recessed lighting, and plenty of cabinet space to handle all your culinary needs. The spacious primary suite is your private retreat, featuring a large walk-in closet and a beautifully designed bathroom with a dual vanity setup and a custom titled stand up shower. When cooler days roll in, swing open the double glass doors and step out to your own secluded screened-in lanai and heated pool. Whether you’re enjoying a quiet morning coffee, dining alfresco under the covered patio, or diving in for a refreshing swim — this space was made for true Floridian living! Beyond the lanai, you’ll find a cozy firepit area — perfect for gathering with friends and family on crisp evenings, roasting marshmallows, or simply stargazing. Need extra room? This versatile area is also ideal for storing boats, ATVs, or yard equipment. And let’s not forget your furry companions — the fenced yard is ready and waiting for them to roam freely! Located in a peaceful, sought-after neighborhood, this home offers easy access to shopping, dining, golf courses, entertainment, medical facilities, and award-winning beaches. Don’t miss your chance to make this dream home yours — schedule your private showing today and experience everything this Port Charlotte gem has to offer!
Source: STELLAR #TB8374611
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8374611
To qualify, you must meet the current FHA or VA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 620, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.